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Customized Retirement Strategies

A fully open-architecture target-Date portfolio that gives plan sponsors complete design flexibility

AllianceBernstein’s Customized Retirement Strategies portfolios are carefully designed to adjust to participants’ changing needs over time, while appealing to participants with very different attitudes about investing. And we support them with an award-winning communication approach.*

*Winner of 2008 Eddy Award from Pensions & Investment Magazine

Investments in Customized Retirement Strategies are not guaranteed against loss of principal: at any time, your account value can be more or less than the original amount contributed—including at the time of the fund’s target date. Also, investing in Customized Retirement Strategies does not guarantee sufficient income in retirement.

An effective Target Date Solution for your DC plan.

  • DC Plans Have Entered a New Paradigm
  • Broad Appeal for Target-Date Funds
  • Choosing a High-Quality Target-Date Fund Is Critical
  • Customization: A Better Investment Solution
  • Effective Design That Can Enhance Fiduciary Strength
  • The Support of Award-Winning Communications

View other resources for AllianceBernstein Defined Contribution’s Customized Retirement Strategies.

Research Article

Target-Date Retirement Funds and the Defined Contribution Plan Sponsor?s Fiduciary Responsibility

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Research Article

Keeping 401(k) Costs Reasonable: The Return of the Collective Investment Trust

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Research Article

The Target-Date Connection - Finding the Right Fit for Your Plan

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Research Article

Target-Date Retirement Funds-A Blueprint for Effective Portfolio Construction-Executive Summary

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Reprint

Market Turmoil Driving Evolution of Target-Date Funds Closer to Defined Benefit Pension Design

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Article

Have Target-Date Funds Failed? Are Income Guarantees the Answer?

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Opportunity Summary

Customized Retirement Strategies

A Fully Open-Architecture Target-Date Portfolio that gives Plan Sponsors Complete Design Flexibility
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Case Study

Customized Retirement Strategies Case Study

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What Are Customized Retirement Strategies?

AllianceBernstein’s Customized Retirement Strategies portfolios automatically adjust to participants’ changing needs over time, and appeal to participants with very different investing attitudes. We support them with an award-winning communication approach.* A fund’s target date is the approximate year you expect to retire and start withdrawing from your account. Funds furthest from their target dates are nearly all equity to emphasize growth potential; their asset mix grows more conservative as investors move toward—and into—retirement. Investments in Customized Retirement Strategies are not guaranteed against loss of principal—your account value may be more or less than the amount you invested—including at the time of the fund’s target date. Investing in Customized Retirement Strategies does not guarantee sufficient retirement income.

*2007 and 2008 Pension & Investments annual communications award for plan sponsors and providers

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Research article

Are Single-Manager Target-Date Funds Risky for Large Plan Fiduciaries?

This paper explores why a custom target-date fund is likely a more prudent choice than a single-manager target-date fund for large defined contribution plans.

Case Study

Customized Retirement Strategies Case Study

What’s it like to implement a custom target-date solution? This case study looks at the experience of one firm that introduced AllianceBernstein’s Customized Retirement Strategies.